CONSUMER DEBT DEFENSE LAWYERS
Enforcing Federal Consumer Protection Laws
Under powerful consumer laws, if you're a victim of unlawful collection practices, you may be entitled to a recovery of up to $1,000 under the Fair Debt Collection Practices Act (FDCPA). Similarly, if you've been contacted by a debt collector or telemarketer by phone, text, or fax in an unauthorized manner, you may be entitled to damages of up to $1,500 under the Telephone Consumer Protection Act (TCPA).
These federal laws were enacted, in part, to protect consumers from hostile and aggressive debt collection practices. Debt collectors cannot make false threats, call at odd hours, or disclose collection information to a third-party. Furthermore, they cannot bombard you with unsolicited text messages. Even though these tactics are prohibited, they still happen frequently. A consumer lawyer can comb through your case and help determine whether action can be taken to recover damages. Contact us to learn more about your consumer rights.
Fighting Lawsuits, Judgments, Bank Levies, and Garnishments
Have you been sued by a creditor, lender, or collection agency because of unpaid debts? Or has the Marshal frozen your bank account or garnished you wages? If so, you need a skilled New York debt relief attorney on your side to protect your consumer rights. Every consumer is protected by various rules and laws regarding debt collection and what a creditor can and cannot do when collecting debt. The Law Office of Simon Goldenberg, PLLC understands these laws, as well as your consumer rights, and can help you fight against unfair debt collection practices. If you are facing any of the following collection actions, an attorney from our firm can help you take action to defend yourself and find debt relief.
Judgments
When a consumer defaults on his or her debt for too long, the creditor
or collection agency may approach the court to obtain a judgment to collect
the debt in a number of ways. These means of collection include wage garnishment
and bank levies, as seen below. Our firm can represent you and help you
fight a judgment by proving that it places you and your family in undue hardship.
Garnishments
Wage garnishments occur when a creditor obtains a judgment that requires
your employer to withhold a percentage of your pay and give it to your
creditor as repayment. Wage garnishment has its restrictions and can also
place you in undue hardship, which can help you stop wage garnishments.
Bank Levies
Another judgment that a creditor can take out against you is a bank levy.
At this time, they can "freeze" your bank accounts, preventing
you from accessing them until you have repaid your debt. Our team can
skillfully defend you from such actions and fight to prevent you and your
family from suffering unnecessary financial hardship when you are already
struggling to make ends meet.
Have you been served with a lawsuit?
Our lawyers have vast experience in defending and settling debt collection lawsuits in New York. Depending on how you were served with the Summons and Complaint, a Defendant would either have 20 or 30 days to respond with an Answer. Affirmative defenses to a credit card lawsuit, or a student loan lawsuit, may include, but are not limited to: Statute of Limitations, Lack of Jurisdiction, Accord and Satisfaction, and Lack of Standing. Even if you received a lawsuit for business debt, we can help you understand your options for defense.
Contact our office to learn what options may be available to help resolve your lawsuit, which may possibly include debt lawsuit defense, debt settlement, or bankruptcy.
Debt Collection Lawsuit Lawyers in New York*
Speak with a New York Debt Relief Attorney Today
The sooner you consult a New York debt relief lawyer, the sooner our firm can help protect your consumer rights and stop your creditor from getting a judgment against you. Our law firm was honored with the 2015 Avvo Clients' Choice Award due to outstanding client service, and our Principal Attorney has been designated as a Rising Star by SuperLawyers for the years of 2014, 2015, and 2016.
Contact us today to see how we can help you find relief from your debt!
*This list is not comprehensive. For information purposes only. Contact an attorney to evaluate your situation.
